Vacationland Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.vlfcu.org

419-625-9025

2911 S. Hayes Avenue
Sandusky, OH 44870

Vacationland Federal Credit Union is headquartered in Sandusky and is the 34^th largest credit union in the state of Ohio. It is also the 1,021^st largest credit union in the nation. It was established in 1956 and as of March of 2025, it had grown to 69 employees and 20,795 members at 5 locations. Vacationland Federal Credit Union's money market rates are 6X the national average, and it has an A health rating.

Field of Membership Restrictions

VacationLand Federal Credit Union is open to businesses and legal entities, and those who live, work, worship, or attend school in Erie County or Huron County, Ohio, as well as York Township in Sandusky County, the Village of Green Springs, and Adams, Thompson, Venice or Reed townships in Seneca County.. Retired pensioners, Board of Education employees in Huron County, Ohio, Board of Education of Ehove Joint Vocational School, immediate family and household members are also eligible to join.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	11293
Year Chartered	1956
Employees	69
Primary Regulator

Profit Margin
Return on Assets - YTD	0.54%
Return on Equity - YTD	4.82%
Annual Interest Income	$3.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$311.2MM$300.9MM
Loans	Q1 2025vs Q1 2024	$183MM$183.6MM
Deposits	Q1 2025vs Q1 2024	$266.6MM$254.9MM
Equity Capital	Q1 2025vs Q1 2024	$34.6MM$31MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.2MM$2.2MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.3MM$799K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Vacationland Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$100^*	$20k	Youth Club Account
OTHER TIERS: 0.25% → $20k+
1.00%	$100	-	Christmas Club Account
1.00%^*	$100^*	$20k	Berenstain Bears Cub Club Account
OTHER TIERS: 0.25% → $20k+
0.25%	$100	-	Share Savings Account
0.25%	$100	-	Club Account
0.25%	$100	-	Business Savings Account

Vacationland Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
2.50%^*	$100k^*	-	Money Market Plus+
OTHER TIERS: 1.15% → $2k - $10k \| 1.25% → $10k - $25k \| 2.00% → $25k - $100k
2.50%^*	$100k^*	-	Business Money Market Plus+
OTHER TIERS: 1.15% → $2k - $10k \| 1.25% → $10k - $25k \| 2.00% → $25k - $100k

Vacationland Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$2k	-	Value Checking Plus+ Account
0.10%	$185	-	Regular Checking
0.10%	$185	-	Business Checking

Vacationland Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
6.03%	$500	-	12 Month Youth CD - Age 19
5.93%	$500	-	12 Month Youth CD - Age 18
5.82%	$500	-	12 Month Youth CD - Age 17
5.72%	$500	-	12 Month Youth CD - Age 16
5.62%	$500	-	12 Month Youth CD - Age 15
5.51%	$500	-	12 Month Youth CD - Age 14
5.41%	$500	-	12 Month Youth CD - Age 13
5.30%	$100	-	12 Month Youth CD - Age 12
5.20%	$100	-	12 Month Youth CD - Age 11
5.10%	$100	-	12 Month Youth CD - Age 10
4.99%	$100	-	12 Month Youth CD - Age 9
4.88%	$100	-	12 Month Youth CD - Age 8
4.78%	$100	-	12 Month Youth CD - Age 7
4.68%	$100	-	12 Month Youth CD - Age 6
4.58%	$100	-	12 Month Youth CD - Age 5
4.47%	$100	-	12 Month Youth CD - Age 4
4.37%	$100	-	12 Month Youth CD - Age 3
4.27%	$100	-	12 Month Youth CD - Age 2
4.16%	$100	-	12 Month Youth CD - Age 1
4.10%	$500	-	6 Month CD
4.10%	$500	-	Business 6 Month CD
4.06%	$100	-	12 Month Youth CD - Age 0
4.00%	$500	-	3 Month CD
4.00%	$500	-	9 Month CD
4.00%	$500	-	Business 3 Month CD
4.00%	$500	-	Business 9 Month CD
3.85%	$500	-	12 Month CD
3.85%	$50k	-	24 Month Jumbo CD
3.85%	$500	-	21 Month CD
3.85%	$500	-	Business 12 Month CD
3.85%	$500	-	Business 21 Month CD
3.80%	$50k	-	30 Month Jumbo CD
3.80%	$500	-	59 Month CD
3.80%	$500	-	Business 59 Month CD
3.75%	$500	-	18 Month CD
3.75%	$500	-	24 Month CD
3.75%	$500	-	Business 18 Month CD
3.75%	$500	-	Business 24 Month CD
3.70%	$500	-	30 Month CD
3.70%	$50k	-	36 Month Jumbo CD
3.70%	$50k	-	48 Month Jumbo CD
3.70%	$50k	-	60 Month Jumbo CD
3.70%	$500	-	Business 30 Month CD
3.60%	$500	-	36 Month CD
3.60%	$500	-	48 Month CD
3.60%	$500	-	60 Month CD
3.60%	$500	-	40 Month CD
3.60%	$500	-	Business 36 Month CD
3.60%	$500	-	Business 40 Month CD
3.60%	$500	-	Business 48 Month CD
3.60%	$500	-	Business 60 Month CD

Vacationland Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.10%	$500	-	6 Month IRA
4.00%	$500	-	3 Month IRA
4.00%	$500	-	9 Month IRA
3.85%	$500	-	21 Month IRA
3.85%	$500	-	12 Month IRA
3.80%	$500	-	59 Month IRA
3.75%	$500	-	18 Month IRA
3.75%	$500	-	24 Month IRA
3.70%	$500	-	30 Month IRA
3.60%	$500	-	40 Month IRA
3.60%	$500	-	36 Month IRA
3.60%	$500	-	48 Month IRA
3.60%	$500	-	60 Month IRA
0.75%	$100	-	IRA Share Account

Locations

Vacationland Federal Credit Union Locations
Branch Office	2911 Hayes Ave	Sandusky, OH 44870-7206
Branch Office	1607 State Rd # 60	Vermilion, OH 44089
Branch Office	2409 E Perkins Ave	Sandusky, OH 44870
Branch Office	26 Executive Dr	Norwalk, OH 44857
Branch Office	2402 University Dr E	Huron, OH 44839-9173

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